# Matty vs SurgePay

The clearest difference is update cadence: Matty at weekly against SurgePay's monthly. Matty also leads on iOS requirement (12.0 vs 16.4). SurgePay's advantage is rating (5.0 vs 4.8). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

SurgePay holds the better App Store score, 5.0 against 4.8. Both are backed by a comparable volume of ratings — 17 and 8 respectively.

Matty ships an update weekly, SurgePay monthly. The most recent releases landed on October 3, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | Matty | SurgePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (17 ratings)](https://appshunter.io/ios/app/matty/id1599765979/reviews) | **[5.0 (8 ratings)](https://appshunter.io/ios/app/surgepay/id6748153951/reviews)** |
| Number of ratings | **17** | 8 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Monthly |
| Monetization | Free | Free |
| Size | 38 MB | 106 MB |
| Requires iOS | **12.0** | 16.4 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Matty Investments, LLC](https://appshunter.io/developer/1599765981) | [SURGEPAY INC](https://appshunter.io/developer/1824489402) |

## What reviewers say

### Matty

[App page](https://appshunter.io/ios/app/matty/id1599765979)

This platform facilitates trading and saving to promote financial growth and smart money management. It offers a unique approach to personal finance for users looking to improve their financial well-being.

**Highlights:** Trading platform, Saving tools, Financial growth promotion, Smart money management, First-of-its-kind approach

**Features:** macOS Compatibility

**In-app purchases:** none


### SurgePay

[App page](https://appshunter.io/ios/app/surgepay/id6748153951)

Manage multiple currencies, virtual cards, and send/receive money securely. Offers quick sign-in options, including biometrics, and provides real-time exchange rates for conversions. Ideal for everyday financial transactions with built-in support.

**Highlights:** Multi-currency wallets (USD & NGN), Virtual card creation, Money conversion with live rates, Send and receive money, Secure sign-in with biometrics, In-app live chat support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Matty free?

Matty is free to download, with no in-app purchases.

### Is SurgePay free?

SurgePay is free to download, with no in-app purchases.

### Which has better reviews, Matty or SurgePay?

SurgePay is rated higher. Matty averages 4.8 out of 5 from 17 ratings, while SurgePay averages 5.0 from 8 ratings.

### Do Matty or SurgePay have ads?

Neither Matty nor SurgePay shows ads.

### Which is updated more often, Matty or SurgePay?

Matty ships an update weekly, and SurgePay monthly. Most recently, Matty was updated on October 3, 2026 and SurgePay on October 9, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*